<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
The following schedule contains summary financial information extracted from the
financial statements contained in the Registrant's quarterly report on Form
10-QSB for the period ended March 31, 1999 and is qualified in its entirety by
reference to such financial statements.
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                                DEC-31-1999
<PERIOD-END>                                     MAR-31-1999
<CASH>                                                   876
<INT-BEARING-DEPOSITS>                                 4,061
<FED-FUNDS-SOLD>                                       5,450
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                           21,525
<INVESTMENTS-CARRYING>                                15,476
<INVESTMENTS-MARKET>                                  15,429
<LOANS>                                               37,628
<ALLOWANCE>                                              784
<TOTAL-ASSETS>                                        85,708
<DEPOSITS>                                            54,174
<SHORT-TERM>                                               0
<LIABILITIES-OTHER>                                    1,406
<LONG-TERM>                                              300
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                              15,628
<OTHER-SE>                                            14,200
<TOTAL-LIABILITIES-AND-EQUITY>                        85,708
<INTEREST-LOAN>                                          715
<INTEREST-INVEST>                                        462
<INTEREST-OTHER>                                         173
<INTEREST-TOTAL>                                       1,350
<INTEREST-DEPOSIT>                                       497
<INTEREST-EXPENSE>                                       503
<INTEREST-INCOME-NET>                                    847
<LOAN-LOSSES>                                              0
<SECURITIES-GAINS>                                        55
<EXPENSE-OTHER>                                          489
<INCOME-PRETAX>                                          422
<INCOME-PRE-EXTRAORDINARY>                               422
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                             297
<EPS-PRIMARY>                                            .18
<EPS-DILUTED>                                            .18
<YIELD-ACTUAL>                                          6.33
<LOANS-NON>                                              603
<LOANS-PAST>                                             342
<LOANS-TROUBLED>                                           0
<LOANS-PROBLEM>                                        1,560
<ALLOWANCE-OPEN>                                         784
<CHARGE-OFFS>                                              0
<RECOVERIES>                                               0
<ALLOWANCE-CLOSE>                                        784
<ALLOWANCE-DOMESTIC>                                     784
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                  561
        

</TABLE>